2025_金融消费趋势洞察研究报告_36页_3mb

Financial consumers' priorities are shifting from short-term pleasures to long-term security, especially healthcare and elderly care savings among Gen Z. Key trends include higher demand for steady, long-term financial products due to aging populations and economic uncertainties. User pain points involve complex products, lack of transparency, and inefficient services, leading to widespread dissatisfaction. The "impossible triangle" conflict between high returns, low risk, and high liquidity challenges the industry, requiring solutions through policy, innovation, and education. China Pacific Insurance's "three saves" approach—providing convenient, efficient, and affordable services—serves as a model for improving customer experiences. Ultimately, true financial inclusion hinges on user-centric, simple services that address real needs and foster trust.